BRI Performance Highlights and Green Initiatives
FINANCIAL HIGHLIGHTS - CONSOLIDATED
Description
Asset/Liabilities
Total Assets (IDR Billion)
Total Loans & Financing (Gross) (IDR Billion)
Total Deposits (IDR Billion)
Asset Quality
NPL (gross)
NPL Coverage
Liquidity
CASA
LDR*
Profitability
Net Profit (IDR Billion)
Cost of Fund (CoF)
Q1'22
1H'22
9M'22
BRI
(IDR Billion)
g YoY
%
2021
2022
Nom
1,650,279
1,652,839
1,684,604
1,075,927
1,104,785
1,111,478
1,126,495
1,136,982
1,139,765
1,678,098
1,042,867
1,138,743
1,865,639 187,541 11.2%
1,139,077 96,210 9.2%
1,307,884 169,141 14.9%
3.09%
286.23%
3.26%
3.09%
266.26%
278.79%
3.00%
281.16%
2.67%
305.73%
-0.32%
24.57%
63.63%
65.12%
65.43%
63.08%
66.70%
86.96%
88.45%
88.51%
83.53%
78.82%
3.63%
-4.70%
12,220
24,876
39,311
30,756
51,408
20,652
67.1%
1.97%
1.91%
1.94%
2.36%
2.06%
-0.30%
NIM
7.72%
8.24%
8.21%
7.70%
7.85%
0.15%
Cost to Income Ratio (CIR)
44.62%
44.30%
45.07%
48.56%
47.38%
-1.18%
Operating Expense to Operating Income
69.34%
69.56%
68.36%
78.54%
69.10%
-9.44%
ROA before tax
3.69%
3.76%
3.94%
2.64%
3.79%
1.15%
ROA after tax
ROE Tier 1
ROE BS
2.94%
3.00%
3.15%
2.13%
3.01%
0.88%
7
19.00%
19.36%
20.12%
16.04%
19.53%
3.48%
17.22%
17.48%
18.16%
13.86%
17.63%
3.78%
Capital
Tier1 CAR
Total CAR
23.61%
24.05%
25.14%
26.16%
24.50%
-1.66%
24.61%
25.06%
26.14%
27.16%
25.51%
-1.65%
*Only calculated BRI and Raya financial numbers. If loan & financing of all subsidiaries are calculated, LDR is 91.58% in 2021 and 87.09% in 2022
Financial figures for 2021 is restated to include Pegadaian and PNM in accordance with PSAK 38
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